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Strata

PO BOX 1667, Bakersfield, CA 93302
NCUA Insured3.3 (81 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 1667

Bakersfield, CA 93302

Service Area

This credit union is located in Bakersfield and serves members in the CA area. Currently serving 24,460 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.99%

Used Auto Loan

6.99%

Personal Loan

12.20%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

3.3

81 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jan Scurlock

Jan Scurlock

9 months ago

A Hispanic Youth discriminated against me & used deceptive trade practices by erroneously stating there was derogatory ChexSystems against me at Valley Strong. The information was incorrect and false. He treated me as though I was a Homeless Person with no money. I have $5000 in my pocket to open an account.

Dave B

Dave B

5 years ago

Needed some cash to pay Martin to complete our new driveway. Can't wait for it to be done. Always had good service at this branch. In and out quickstyle

Jackie Staiger

Jackie Staiger

a year ago

I highly recommend you do NOT use this credit union. They don't disclose that they charge you monthly fees if you're not actively using your account (so if you don't use your account for a year, you'll rack up 12 months of fees). When I closed out my account, they told me I couldn't transfer my money directly out of my account and had to wait for them to send me a check in the mail. It's been 2 months and the check still hasn't arrived even though I've confirmed the address twice. When I called again today to see what was going on, they told me I have to wait 90 days before they can re-send it and there's "nothing else I can do" unless I go to the bank and withdraw the money in person (which doesn't make sense for me to do since I live 8 hours away). Save yourself time and money and choose a different credit union!

Amy Bingham

Amy Bingham

2 years ago

Update: Someone called me back soon after I posted this review. They let me know that I was given incorrect information by the teller and that my name change records are available for employees to see. She was quick to make it right and accept my check as is. I am very happy they got back to me so fast and for making things right. This review is based off of my experience today. I’ve been a member here for almost 40 years. I’ve never had an issue until today. I got married last year and changed my last name. I got that updated at the credit union. Today I walk in with a check that was made out to my maiden name. I was hoping since they have on record my name change, that it wouldn’t be a problem. The lady who helped me told me they don’t have access to those records. She said I would need to bring in my old id with my maiden name or my marriage certificate. I’ve already done this when I changed my name. Why they don’t have access to these items, I have no idea. This is disappointing because I live several hours away and now I have to try and get the check reissued in my married name, which is a hassle because the company from which it came is hard to get ahold of.

Crystal Leverette

Crystal Leverette

2 years ago

Worst customer service!! Every time I have gone into the branch in the last two weeks I have received different information and each time something extra was added for me to do. Banking information provided to me for a wire transfer was wrong as well which caused further delay in receiving my funds. When I asked why there was an additional wait time that wasn’t mentioned before I was threatened to make it longer to 9 days. Told me the review period depends on the reviewer and the check amount. There was no difference in the check from last week to this week in amount. Only thing different is the attorneys name was removed from the check. But because it’s “differently or warranted an additional wait time after they are the ones that made the mistake in the beginning.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).